Retirement, Designed Around You
Your retirement isn’t one decision, it’s many. We build a strategy that evolves with each one, so your path forward stays clear.
Retirement & Social Security Planning Services
When you retire, when you claim Social Security, and how you draw income from your savings are some of the biggest decisions you’ll ever make.
We want to ensure that you get the timing right, and that these choices work harmoniously together, instead of against each other.
Our Certified Financial Planners (CFP) consider these decisions as a whole, accounting for your timeline, income needs, and what you want to as your legacy.
When Retirement Planning Matters Most
Within five years of retirement
You are in the critical window where timing, market conditions, and withdrawal decisions can have a lasting impact on your long-term security.
Already retired or recently retired
You need a structured approach to income, taxes, and portfolio adjustments as your financial priorities shift from growth to preservation.
Uncertain about Social Security timing
You want to understand the financial impact of claiming at different ages and how this important choice can fit into your overall retirement picture.
How Retirement Planning Decisions Work Together
Retirement planning focuses in on a few critical choices: when to retire, how to generate income, and how to make that income last. We help evaluate these decisions in the context of your situation, so that your timing, strategy, and investments work to support you in retirement. Not just on paper, but in real-life situations.
Retirement Income Planning
Your plan defines how your assets turn into income. We evaluate how much you can withdraw, how long your assets are expected to last, and how that income covers your spending over time. This gives you a clear understanding of what your savings can realistically provide, and what life changes or choices may affect your retirement.
Social Security & Withdrawal Strategy
We help you decide when to claim Social Security and how to draw income from your accounts in a way that works with your overall approach. This affects how much income you receive, how long your assets last, and how much you pay in taxes.
Keeping Your Portfolio in Step With Retirement
Your portfolio is evaluated based on how it is structured for withdrawals, not just growth. We assess how it may perform during market downturns and whether it is positioned to provide the income you need without compromising your goals.
What Retirement Planning Should Deliver
Your retirement, income, and investments working together within one coordinated strategy.
Knowing When Retirement Makes Sense
You understand when retirement makes sense and the steps needed to get you there.
Income Built to Support Your Life
Your assets are translated into a practical plan for income, spending, and long-term sustainability.
A Plan Built to Handle Market Swings
Your portfolio and income approach are positioned to handle volatility without disrupting your long-term direction.
Support as Life Changes
A plan that evolves with your life, backed by ongoing guidance as new decisions arise.
Why Marks Wealth Management?
Retirement planning that goes beyond the numbers with strategy and guidance for every decision ahead.
Planning Led by a Certified Financial Planner
Your financial plan is guided by our Certified Financial Planner (CFP) who evaluates your retirement plan, income, taxes, investments, and long-term goals as part of one coordinated strategy.
Portfolio Management Built Around Your Goals
Your portfolio is managed with attention to retirement income, long-term financial stability, and ever changing market conditions. Every client portfolio is built around specific risk tolerance and aligned to your financial plan.
Our investment strategy combines technical analysis with disciplined risk management, led by our in-house Chartered Market Technician (CMT), so your portfolio is guided by both expertise and a clear process.
A Long-Term Partner for the Years Ahead
Your financial life does not follow a straight line, and neither should your advisory relationship. As your goals, responsibilities, and opportunities evolve over time, your financial plan should evolve with them.
Our team is structured to support long-term client relationships through guidance designed to adapt alongside every stage of life.
What to Expect
When to retire. How to generate income. How to make it last. Every major retirement decision starts with a clear picture of where you stand and what your options are when you get there.
Our process is designed to create a plan that meets your needs, so you can move forward with a future that fits your life.
Goal Orientation
We begin by understanding your retirement goals, timeline, and the lifestyle you want to support, so that your custom plan is grounded in what matters most to you.
Financial Review
We review your current assets, accounts, and income sources to understand what you have and how it can support your retirement.
Planning & Forecasting
We build a retirement plan that models income, withdrawals, and Social Security to show how your assets support your life over time.
Strategic Guidance
We walk through your options: when to retire, how to claim Social Security, and how to structure withdrawals across your accounts.
Implementation
We put your plan into action with careful coordination and clear communication, so each step is carried out smoothly and transparently.
Active Monitoring & Review
We continue to review your holdings, contributions, and overall strategy over time, making thoughtful adjustments as your life and financial needs evolve.
Key Retirement Planning Questions We Help You Navigate
Retirement planning requires more than projections. It requires informed decisions, coordinated strategy, and ongoing guidance.
How would retiring one or two years earlier or later affect my long-term plan?
Deciding at what point to retire can alter both your lifestyle and in what ways your plan needs to perform. Retiring earlier can give you more time to enjoy your retirement, but this may require your assets to support you for longer. Delaying can strengthen your plan and create more flexibility but extends time in the workforce. By evaluating these tradeoffs, you can decide what is best for you as well as your financial goals and reality.
How should my income be structured across my accounts in retirement?
Our approach is designed to balance tax efficiency, disciplined asset allocation, and long‑term sustainability, so your wealth can support both your lifestyle for today and your goals for the future.
How should Social Security fit into my overall retirement strategy?
Social Security fits into your overall retirement strategy because choosing when to claim it affects how much income you receive over time. Claiming earlier provides income quicker at a lower level, while claiming later increases monthly benefit. Making this decision also impacts how much needs to be drawn from your portfolio as well as your overall tax picture. By coordinating it with your plan, it helps ensure that it supports your long-term goals and strategies.
Will my portfolio be structured to provide sustainable distributions or is it primarily designed for long‑term accumulation?
A portfolio built solely for growth may not support income in an effective manner. Withdrawing introduces risks, especially during times of high volatility in the market. Evaluating your portfolio through the lens of income and timing helps make sure that it can support your needs without creating difficult decisions during downturns.
Other Financial Planning Services
You have more than one financial priority, and each decision affects the others. These services work together to support your full financial picture over time.
Retirement & Social Security Planning
Turn retirement goals into a working strategy with clear timing, income structure, and Social Security decisions aligned to your plan.
Legacy & Estate Planning
Aligning your will, trust, and family legacy plan so your assets support the people and priorities that matter most.
Tax Efficiency Strategies
Structure your income, investments, and withdrawals to manage tax impact across federal, state, and local levels and retain more of what you earn.
Risk Management
Align your level of risk with your savings, lifestyle, and timeline, so your financial strategy reflects both what you want to achieve and what you…
Investment Management
Turn your assets into a more actively managed portfolio, with disciplined oversight and market insight aligned to your financial goals.
What Our Clients Say
As an older retiree, I have depended on Charles and his team to help keep me as independent as possible. I am one of the few among my friends who doesn’t seem to have money worries. Special thanks to Catherine and Taylor for all your care.
Jan Dove
Marks Wealth Management goes above and beyond any expectations you may have. The entire staff is professional, friendly and caring. We made the right/best decision by choosing Marks Wealth Management for our investment firm.
Patricia Jacoby
As an older retiree, I have depended on Charles and his team to help keep me as independent as possible. I am one of the few among my friends who doesn’t seem to have money worries. Special thanks to Catherine and Taylor for all your care.
Jan Dove